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COVID-19 May Make Your Mortgage More Affordable

First off, we want you to know that we're in this crisis together. Sure, we've made adjustments to accommodate the "temporary new normal," but still, know that we're here for you more than ever before!

And that includes watching the market to find opportunities for your homeownership goals and financial goals. While there is much uncertainty about the market, there is a notable trend that is a silver lining despite recent events.

Here's what you need to know about COVID-19 and how it may benefit your home loan.

But first, a little background on what's been going on in the market. This past Sunday, the Federal Reserve announced that it was slashing its benchmark rate to essentially zero. While mortgage rates aren't tied to that rate, they tend to follow a similar track. So does this mean we could see 0% mortgages any time soon? Not likely.

However, we could very well see rates for a 30-year fixed mortgage drop massively low --possibly even below 3%!

Here's another thing to note: despite mortgage rates flexing quite a bit over the past few weeks, overall, they've been low. Even with the influx of nationwide refinancing (that typically pushes rates up), mortgage rates are likely to drop.

Is NOW a good time to buy a home despite the COVID-19 crisis?

It depends on a few factors. But whether you are buying a "forever home," meaning that you plan to live there for more than five years, or a starter home, buying now makes perfect sense.

Current rates are some of the lowest we've seen in years. So if buying a home was already part of your plan, you've already set aside your down payment, and finances continue steady, then purchasing a home now is the perfect way of keeping your housing costs low.

Something else to keep in mind is that house prices may start to drop as well. Homeowners looking to sell their homes quickly will list them at more competitive prices.

When combined with the low rates, you can see how buying a house now can be the smartest way to invest your money while providing a sense of security for your family.

There's no doubt that we are in a white-hot real mortgage opportunity. But there's no telling how long it will remain this way. Apply today and lock your rate! Your pre-approved letter is valid for several weeks, giving you time to shop for the ideal home for your family.